“My debt to income ratio was more than twice what she would accept. 35% was the max number she gave us and we came in at 77%.” myFICO® Forums · 8 years ago

AI responses may include mistakes. For financial advice, consult a professional. Learn more How To Get A Loan With A High Debt-To-Income Ratio [2026 ]

If your ratio is currently too high, you can actively improve it before applying:

What (FHA, VA, Conventional) are you considering?

Imagine a couple, Sarah and James, who were eager to buy their first home in early 2026. While their credit scores were strong, their combined monthly debts—including student loans, a car payment, and credit card minimums—put their DTI at . Most traditional banks turned them down, but they didn't give up.

Can reach with automated approval and "compensating factors". VA Loan 41% (Guideline)